I'm sorry that insurance is so narrow minded. All the more reason that its important that we shouldn't be, especially about ourselves. Obese people die younger for a lot of different reasons, not just fat. They tend to eat a lot of sugar ( diabetes), industrial pastries and fast food (trans fatty acids and cholestorol) and don't move much (heart disease). My point is that while too much fat IS bad, its not the fat alone that is bad, its the fat lifestyle. We are nutso about body figure in our culture, when the truth is that health is what we should worry about, and thats harder to define than a number. If I tell you one person has a BMI of 40 and one of 22, which is healthier? What if I told you person two is undergoing extensive chemotherapy? Or they smoke a pack a day?